Electronic Commerce (ecommerce) Service Agreement

NETGATEWAY, INC.

ELECTRONIC COMMERCE SERVICES AGREEMENT

THIS ELECTRONIC COMMERCE SERVICES AGREEMENT (the "Agreement") is made
effective as of the Acceptance Date set forth in the initial eCommerce Series
Order Form (October 1, 1999) accepted by Netgateway, a Nevada corporation
("Netgateway"), and the subscribed identified below ("Subscriber").

PARTIES:

Subscriber Name:  iChargeit.com, Inc.
Address:          300 Pacific Coast Highway, Suite 308
                  Huntington Beach, California 92648

Phone:            714/594-0441
Fax:              714/374-0220

Netgateway, Inc.
300 Oceangate, Suite 300
Long Beach, California 90802

Phone:            562/308-00_0
Fax:              562/308-00_1

1.       ELECTRONIC COMMERCE SERVICES.

         1.1  ECOMMERCE SERVICES.  Subject to the terms and conditions of this
Agreement, during the term of this Agreement, Netgateway internet Commerce
Center(TM) ("Netgateway ICC") provide to Subscriber the services described in
the eCommerce Services Order Form(s) (the "eCommerce Services Order Form(s)")
accepted by Netgateway, or substantially similar services if such substantially
similar services would provide Subscriber with substantially similar benefits,
all on a non-exclusive basis (the "eCommerce Services").

etc.